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how did you get this information. if they filed a case, they wouldn't tell you, they would just wait for the subpoena to arrive.

did you actually issue checks, and did they really deposit them and send you a written notice of dishonor?

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this sounds more like dirty tactics of collection agencies to intimidate you into paying. police don't call, they just come and arrest you IF they have a warrant. my guess this is all bogus.

nevertheless, the bank can truly file a case of bp22 against you, but they have to show that they sent you a written notice that the check was dishonored. good luck.

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and you haven't changed address? if you wish to reassure yourself, get an nbi clearance to see if there is nay record. you can also inquire with the Bureau of Immigration if you are on the watch list.

but my guess is these are all just scare tactics.

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why don't you check if they are really bonafide lawyers and police in the first place. many collection agents pretend to be like that. check out if the lawyer is included in the law list at sc.judiciary.gov.ph. ask for the police man's number at crame to call him through the trunk line.

my bet is that these people are bogus. i recommend you deal directly with the card company to work out a deal.

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